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the car was almost paid for but the engine went out and I called them to work out a pay off but they didnt want to send a letter. My question is can a company refuse to send a letter stating that an account has been charged off if its not reflecting on my credit file?
Have you checked the credit report with all three credit bureaus? Did the company’s representative tell you that the account has been charged-off? I guess i’m missing out some information.